So your house has had water damage caused by a burst pipe, a roof leak or by torrential rains. You are hoping that your homeowners’ insurance policy will cover the damage. Do you have insurance coverage for water damage and mold removal? Usually, the way you describe the damage to your insurance adjuster will determine the outcome of your claim. It is therefore important to know more about mold and water damage first and their implications to insurance policies.
Molds are microscopic organisms belonging to the fungi group. They are considered as natural decomposers and require moisture to grow and survive. Molds, if allowed to grow inside the home, can damage your possessions and can cause a number of health problems for you and your family.
Health problems that are associated with mold growth may include skin allergies, allergic reactions to the respiratory system such as asthma or allergic rhinitis.
Mold Removal Insurance Coverage
If your home is affected by water damage, you must dry it out immediately to prevent the growth of mold. Gold Coast Flood Restorations is equipped to help you do just that. It is likely that the insurance adjuster will want to find out what caused the water crisis, and would assess if the water damage is covered by your homeowners’ insurance policy.
Insurance companies typically cover mold and water damage to homes if it is directly related to an insured loss. The direct cause of the water damage should be properly identified. Insurance companies will also send out an insurance adjuster to confirm your reports and to assess if the damaged areas or the mold growth is pre-existing.
If the insurance adjuster determines that the damage and mold growth in your home is pre-existing, then the insurance company will not cover the damage and your claim will be declined. Furthermore, the insurance adjuster may assess that the mold growth is caused by other factors besides the one that you reported. Other factors of mold growth may be caused by lack of maintenance or poor ventilation. If this is the case, the insurance company will not cover the cost of mold remediation.
Insurance policies are also designed to cover only the cost of cleaning up the water damage and restoring the wet items to their original, pre-loss condition. Homeowners’ insurance policy may or may not pay for the cost of repairing the cause of the water leak depending on different factors.
For example, if the attic was soaked by water because of a roof leak, the insurance company will cover the cost of drying the attic and the items inside it. It will not however cover the cost of repairing the roof leak since this is considered to be a maintenance cost that should be shouldered by the homeowner.
If the water damage is covered by your insurance policy, hire a contractor to clean up your home and make repairs as needed. Make sure that the contractor you choose is properly trained and equipped to handle water damage and mold remediation.
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A great modern convenience that no homeowner could possibly dream of living without is running water. However, your indoor plumbing can (and frequently does) cause significant damage. Besides destroying your carpet, flooring, furniture and expensive home electronics, flooding can cause mold and may even damage the structural integrity of your home. The faster you file a San Diego water damage insurance coverage claim with your insurance company, the faster a water damage repair work and mold removal business can be sent off to your home. These ideas can assist the claims procedure go more efficiently.
Make Documentation Before You File a Water Damage Insurance Claim
As soon as you recognize water damage in your home and eliminate the source (if possible), you will certainly have to completely record the damage. Take images and/or videotape the damage location and any damaged property before you make any repair works. This is particularly vital if you call a water damage or mold remediation company before your insurance coverage adjuster has actually seen the damage.
Before you call your insurance coverage business, get a note pad or piece of paper and monitor everybody you spoke to about your water damage insurance claim. Note the time, date, name of the individual you talked to, and exactly what you discussed. Keep copies of letters or other files you and your insurance company send out each other, along with any notes, price quotes, or expenses from your mold repair company in San Diego.
Don’t Let Your Insurance Company Tell You What Water Damage Company to Use
In the state of California, you have the legal right to choose whichever water damage vendor you trust. Insurance providers have their “preferred vendors” as a method to enhance the documentation and payment process following work performed as a result of an insurance coverage claim. We make use of the very same Xactimate rates system accepted industry-wide as these preferred vendors and are professionals in managing insurance claims and working with adjusters.
Keep in mind that a preferred vendor has plenty of incentive to favor the insurance company that is supplying them a steady stream of leads.
If you are impressed with our specialists and feel that you are in good hands with Gold Coast (as many people are!), please let your insurance coverage provider understand that you would like Gold Coast Flood Restorations to be your supplier, and we will certainly take it from there.
Contact a Water Damage Restoration Company
After you file the claim, you ought to hear from the insurance company within a day or two. Depending upon the level of the damage to your house, you might not have that much time to wait. If water damage is major, or if you are fretted about mold, contact a water damage restoration business immediately. As long as you deal with a credible water damage restoration business, many or all your expense should be looked after when you assert gets accepted.
Homeowner’s insurance plans do not cover damages caused by outside flooding, so it is required to examine your home’s insurance protection to find the kinds of water damage they do cover. In doing this, you could discover your insurance to be inadequate. Insurance protection hardly ever covers water damages activated by bad weather condition or storms. If your house experiences water damage as a result of a hidden pipe leak, your homeowner insurance would likely offer protection on the expense.
Water damage insurance coverage: Exactly what is generally covered?
1. Damage caused by water. Typical insurance coverage will certainly cover the damage activated by something such as a malfunctioning or leaking water heater unit or washing machine. For example, if your cleaning device triggered water damage to your home’s carpets, insurance protection would most likely cover the expenditure to repair the carpeting nevertheless not the washing device itself.
2. Tub overruns. These damages are typically considered to be unintentional thus are generally covered.
3. Burst pipe. These damages are also usually thought about unexpected and have to be covered by your insurance.
What is not usually covered?
1. Water damage triggered by outside floods. Lots of insurance coverage require you to get separate flood insurance protection for regrettable events like these.
2. Water damage triggered by neglect. Water damage insurance coverage will certainly not cover neglected issues, since the water or mold damage was a result of your very own recklessness.
3. Roofing leakages and/or outside seepage. These are upkeep problems and are not generally covered.
If you are uncertain or disappointed with the water damage policies in your homeowners insurance, don’t hesitate to call us right here at Gold Coast Flood for description or guidance. We work for our customers, not an insurance coverage business. As your advocate, we’ll direct you on the best methods to finest cover costs of water damage repair work when you require it.